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City · 65,969 residents · Baltimore County, Maryland

Dundalk , Maryland

In Dundalk, a typical home is worth $212,700 and typical rent is $1,473 a month. Compared with all of Baltimore County, the typical home value is 39% lower and typical household income is 30% lower.

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  • Typical home value

    $212,700

    39% below the county

    49% below Maryland

    • Dundalk
    • Baltimore
    • Maryland

  • Typical rent

    $1,473a month

    9% below the county

    14% below Maryland

    • Dundalk
    • Baltimore
    • Maryland

  • Typical household income

    $64,520a year

    30% below the county

    38% below Maryland

    • Dundalk
    • Baltimore
    • Maryland

  • Households that own their home

    65%

    2 points below the county

    3 points below Maryland

    • Dundalk
    • Baltimore
    • Maryland

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$218,242
1.8% less than 12 months ago
Typical rent
$1,460 a month
2.1% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Dundalk is in Baltimore County. The FHA loan limit ($747,500 for a one-unit home), the fair market rents and the help on this page are those of all of Baltimore County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Dundalk apart

What this place has that others do not, from public data, most unusual first.

  1. Dundalk has the 4th lowest typical home value of the 202 cities in Maryland with more than 5,000 people ($212,700).

  2. The typical household income in Dundalk is $64,520, 30% less than in Baltimore County as a whole ($91,768).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Dundalk

What homes there are in Dundalk, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Dundalk there is a bit of everything: no kind of home reaches half. The most common are attached houses (townhouses) (47%), more than in Baltimore County (24%).

Year built

In Dundalk, half of the homes were built before 1955; in Baltimore County, before 1973.

Much as in Baltimore County, 60% of homes in Dundalk have 3 bedrooms or more.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

By price, most homes in Dundalk sit under the FHA limit for Baltimore County ($747,500): about 98%.

Monthly rent with utilities

With a mortgage

$1,474 a month

Baltimore County: $2,049 a month

Without a mortgage

$517 a month

Baltimore County: $703 a month

Owners with a mortgage

63%

Baltimore County: 67%

Owning costs less in Dundalk: with a mortgage, the typical cost is $1,474 a month; in Baltimore County, $2,049. Without one, $517.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Dundalk rose 42% since 2015–2019, more than in Baltimore County (34%).

Rents in Dundalk rose faster than in Baltimore County: 29% since 2015–2019, against 25%.

Housing prices ran ahead of income in Dundalk: typical income rose 16%, against +42% for home values and +29% for rent.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureDundalkBaltimore CountyMarylandUnited States
Rental vacancy 3.8%4.8%4.7%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room 3.0%2.1%2.5%3.4%
People per household 2.612.502.572.53
Drive alone 72%70%65%69%
Carpool 11%8%8%9%
Public transit 3%3%4%3%
Walk or bike 2%2%2%3%
Work from home 10%17%19%15%
Other means 2%2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

There is little rental housing open in Dundalk: only 3.8% is empty and offered for rent, against 4.8% in Baltimore County.

In Dundalk, 3.0% of households live with more than one person per room, about the same as in Baltimore County.

A household in Dundalk has 2.61 people on average, about the same as in Baltimore County (2.50).

In Dundalk, 11% of workers share a car to get to work; in Baltimore County, 8%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Dundalk?

A typical home is tight for the typical income

We start with a typical home in Dundalk, worth $212,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Dundalk, which is $64,520 a year. For that payment to be 28% of income, a household would need to earn about $77,428 a year.

The calculator's FHA and conventional loan limits are those of all of Baltimore County.

Your numbers

Local data
$

Starts at the typical home value in Dundalk. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $7,445 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,807

at 7.18% · 30 years

Loan amount
$208,847
Total interest
$300,482
Paid off in
November 2056

Includes $3,592 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,505 a month

  • Tight

    $1,505 to $1,936 a month

    Your payment · 34%

  • Hard

    more than $1,936 a month

Compared with the typical household income in Dundalk ($64,520 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,807
Principal & interest$1,415
Property tax$209
Home insurance$89
FHA mortgage insurance (MIP)$94

You need at least $7,445 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Dundalk and Baltimore County

Dundalk is in Baltimore County, Maryland. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Dundalk's own numbers

Typical home value
$212,700
Typical monthly rent
$1,473
Typical yearly household income
$64,520
Households that own their home
65%
Effective property tax rate
1.18%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Baltimore County

FHA limit, one-unit home
$747,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,006
Price change over 5 years (FHFA)
+39%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Baltimore County.

Everything about Baltimore County

Buying

Buying a home in Dundalk

A typical home in Dundalk is worth $212,700: 39% below the county and 49% below Maryland. With the typical household income in Dundalk ($64,520 a year), a typical home costs 3.3 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Dundalk 3.3 years
  • Baltimore 3.8 years
  • Maryland 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Baltimore County

According to FHFA’s house price index, home prices in Baltimore County rose 58% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Baltimore County.

Period County Maryland U.S.
Last year (2025) +2.9% +2.7% +2.9%
5 years (2020–2025) +39% +40% +47%
10 years (2015–2025) +58% +60% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Dundalk next to Baltimore County, Maryland and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Dundalk $212,700
  • Baltimore $349,300
  • Maryland $419,900
  • United States $332,700
Typical monthly rent
  • Dundalk $1,473
  • Baltimore $1,627
  • Maryland $1,705
  • United States $1,413
Typical yearly household income
  • Dundalk $64,520
  • Baltimore $91,768
  • Maryland $103,678
  • United States $80,734
See the full table
Dundalk next to Baltimore County and Maryland
Measure Dundalk Baltimore County Maryland U.S.
Typical home value $212,700 $349,300 $419,900 $332,700
Typical monthly rent $1,473 $1,627 $1,705 $1,413
Typical yearly household income $64,520 $91,768 $103,678 $80,734
Households that own their home 65% 66% 68% 65%
Typical yearly property tax $2,514 $3,736 $4,093 $3,119
Effective property tax rate 1.18% 1.07% 0.97% 0.94%
Renters with high rent for their income 61% 54% 51% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Baltimore County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Dundalk

For a typical $212,700 home in Dundalk, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Dundalk's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,807a month

    Least cash to close
    Down payment
    $7,445
    Cash to close
    $13,826
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $94

  • Conventional, 5% down $1,768a month

    Down payment
    $10,635
    Cash to close
    $17,016
    Rate
    7.18%
    Mortgage insurance
    PMI · $101

  • Conventional, 20% down, no PMI $1,451a month

    Down payment
    $42,540
    Cash to close
    $48,921
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,647a month

    Down payment
    $31,905
    Cash to close
    $38,286
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Dundalk and for Baltimore County.

Property tax

Effective rate in Dundalk

1.18%of the home’s value each year

$2,514 a year for the typical owner in Dundalk.

  • Dundalk 1.18%
  • Baltimore 1.07%
  • Maryland 0.97%

What Maryland publishes Homestead tax credit (cap on yearly assessment increases) (Maryland General Assembly (Annotated Code of Maryland, Tax-Property Article))

Exemptions and deadlines in Maryland

Flood risk in Baltimore County

FEMA does not publish these numbers by city: they are for all of Baltimore County.

FEMA’s maps count no homes in the high-risk zone in Baltimore County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Dundalk

Typical rent in Dundalk is $1,473 a month: 9% below the county. In Dundalk, 61% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Baltimore County, by unit size. To pay the 2-bedroom one ($2,006 a month) without spending more than 30% of your income, you would need to earn $38.58 an hour working full time.

HUD fair market rent for all of Baltimore County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,523 $29.29 $60,920
1 bedroom $1,625 $31.25 $65,000
2 bedrooms $2,006 $38.58 $80,240
3 bedrooms $2,509 $48.25 $100,360
4 bedrooms $2,789 $53.63 $111,560

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Dundalk

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Dundalk has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,710 in 21222 to $2,290 in 21224.

1 of the 2 is above the fair market rent for Baltimore County ($2,006).

  • 21222 $1,710$2,140
  • 21224 $2,290$2,860

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Dundalk when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Dundalk

HUD lists 7 buildings with rents for lower incomes in Dundalk. These are the largest.

  • Center Place 101 Center Pl, Dundalk 21222 160 homes, 159 low-income · For older adults (410) 285-6666
  • Cummins/Portside Apts 6601 Woods Pkwy, Dundalk 21222 146 low-income homes · In service since 2007 · For families
  • Cove Point Apts 7801 Peninsula Expy, Dundalk 21222 100 low-income homes · 1 bd: 86 · 2 bd: 14 · In service since 2005 · For older adults
  • Lyon Homes, Phase I 411 New Pittsburg Ave, Dundalk 21222 118 homes, 96 low-income · 1 bd: 7 · 2 bd: 68 · 3 bd: 21 · In service since 2017 · For families
  • Merritt Station 1420 and 1430 Merritt Station, Dundalk 21222 72 homes, 65 low-income · 2 bd: 48 · 3 bd: 24 · In service since 2018 · For people with disabilities, families

See all 88 buildings in Baltimore County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Dundalk

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 2 HUD-approved agencies with an office in Baltimore County; none says it serves in Spanish.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Dundalk

No down payment, repair or rent-help program on our list is for Dundalk or Baltimore County. The ones below are statewide in Maryland: they work in Dundalk the same as in the rest of the state.

Which programs do I qualify for? All programs in Maryland

  • MMP 1st Time Advantage

    Statewide in Maryland

    Maryland Mortgage Program mortgages for first-time buyers, with a deferred 0% second mortgage for the down payment: $6,000, or 3%, 4% or 5% of the loan. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Deferred

    See the program Official page

  • MMP Flex Loans

    Statewide in Maryland

    Maryland Mortgage Program mortgages for first-time buyers and for people who have owned a home before; Flex 6000 brings $6,000 and Flex 3% brings 3% of the loan for the down payment, as a deferred 0% second loan. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Deferred

    See the program Official page

  • Maryland SmartBuy

    Statewide in Maryland

    Maryland Mortgage Program loan of up to 15% of the price (maximum $25,000) to pay off your student debt when you buy a home; no interest or monthly payments, and forgiven after five years if you stay in the home. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Forgivable

    See the program Official page

Housing counselors near Dundalk

The HUD-approved agencies closest to the center of Dundalk, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Southeast Community Development Corporation

    3323 Eastern Ave, Baltimore · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (410) 342-3234

  • Operation Hope- Baltimore Branch

    820 N Wolfe St, Baltimore · 5 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (856) 409-0078

  • Belair - Edison Neighborhoods, Inc.

    3545 Belair Rd, Baltimore · 6 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (410) 485-8422

Every agency in Baltimore County All counseling agencies in Maryland

Help in Spanish near Dundalk

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Dundalk

HUD’s record names them for Dundalk or Baltimore County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

All housing agencies in Maryland Source: HUD

Cities

Other cities in Baltimore County

These cities are also in Baltimore County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Baltimore County Housing in Maryland
See 18 more cities in Baltimore County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Dundalk, with the typical home value.

Neighboring counties

If Baltimore County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Dundalk.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Dundalk

Short answers with the numbers for Dundalk and all of Baltimore County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Dundalk?

The typical home value in Dundalk is $212,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Baltimore County it is $349,300.

How much does it cost to rent in Dundalk?

Typical rent in Dundalk is $1,473 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Baltimore County is $2,006.

What is the FHA loan limit in Dundalk?

Dundalk uses the FHA limit for all of Baltimore County (2026): $747,500 for a one-unit home and $1,437,500 for a four-unit home.

How much property tax do owners pay in Dundalk?

The typical homeowner in Dundalk pays $2,514 a year, according to the U.S. Census Bureau. That is 1.18% of the home’s value; in Baltimore County, the rate is 1.07%.

Where can I find free help to buy or rent in Dundalk?

There are 2 HUD-approved counseling agencies with an office in Baltimore County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).